DH's company doing a dependant audit for health care. Your thoughts?

[squirrlygirl]

Must be that time of year ~ My company just announced they're doing the same thing. I wasn't really sure what to expect.

Would they also be looking for any divorce documents showing which parent is responsible for the insurance? I don't have anything like that.

We have gone through this twice now. We had to provide court documents showing either A) that DS lives with us or B) that I'm required to cover DS.

As for birth certificates, we did not need to send them because my kids have state ID's, so we sent copies of those.

 

[CaliforniaDreamin]

My company did it this year. There seems to be a lot of problems. A lot of it is employee error, they would throw away the letters from the company, thinking it was trash, or not have their up to date address in our system. It's been a nightmare. People have been dropped because they didn't fill out the forms completely or correctly or send them in before the deadline. I understand the need for it, but it's been a nightmare. They are calling us at the corporate office to yell and scream, even though it wasn't my decision to do this. I can't wait til this all ends. Thank God this is the only time it will be done. Going forward, the HR Managers at the store will be verifying the dependents personally.

 

[golfgal]

Seriously, that is not expensive? I sure think so considering we paid half of that and I cringed at it. Health care premiums are getting out of hand, that is for sure.

I have never heard of an audit like this. I guess I learn something new everyday.

Yes, seriously. Many, many people pay double or triple that, even with their employer paying 1/2 or more. We pay about $575/month with a 60/40 match on our plan, granted we have awesome coverage and no out of pocket after that. It all comes down to the play the company selects and how healthy your company is.

 

[bumbershoot]

Seriously, that is not expensive? I sure think so considering we paid half of that and I cringed at it. Health care premiums are getting out of hand, that is for sure.

We're on COBRA this month. COBRA continues the insurance you had at the last job, but you pay the full premium. Because this year has been so full of layoffs, they made a special benefit so we are only paying 35%.

During this process, we found out that for the three of us, the full premium of what we've been getting is almost 1K per month.


Before we decided on COBRA, I looked heavily into getting individual policies. You can go to most of the big health insurance company websites and find info on individual policies. If I just covered us at a high deductible level, with NO maternity, it was sort of reasonable. In that it was only 600 or so. But you add in maternity and it shoots through the roof. I considered going without, since hubby is currently being treated for a pituitary tumor that has caused his body to make scads of prolactin (the hormone that makes milk in women) and it's caused his male hormones to go completely out of whack, so it's just about impossible for us to have another baby right now...but even his endocrinologist says there's a chance... Then we got the COBRA paperwork and decided to just continue what we had, so we didn't have to re-start deductibles and it would be the same insurance as before.

So anyway, under 800/month for hubby and two children (if I'm remembering your post correctly) sounds about right...

 

[Stacerita]

DH's company has hired an outside company to do a dependant health care benefit audit.

We have to send in our marriage license, birth certificates, last year's tax return, etc. to this company otherwise all health coverage will be dropped.

Your thoughts??

We have nothing to hide but I can't help feeeling uneasy about this. I know nothing about the company that does this (BUDCO) like what type of people they have working for them, who sees the information and things like that.

This is something that a lot of companies are doing now. My father's company for one. And his is a worldwide, well known company. Funny thing with it, my parents can't find their marriage license. The county doesn't even have the records of them being married. And the church records don't have them either. Turns out there was an error when they were submitted to the county and never fixed. So they now have to get affidavits signed by people who attend their wedding saying that they were witnesses to it.

 

[dejr_8]

Just got the paper work today from my wife's company asking for the same documentation of dependents

 

[Disney-Kim]

I just had to do this last week for my DH's company